TellerScore

Enterprise Bank of South Carolina (FDIC certificate #11539) is based in Ehrhardt, South Carolina. Its Q2 2026 call report shows $535.1M in total assets and $472.2M in deposits and 12 offices.

Enterprise Bank of South Carolina has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 43rd. Earnings contributes the most (100/100, 6.21%); loan quality contributes the least (0/100, 3.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.26%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.64%
Earnings100/100
Return on assets (annualized): 6.21%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 61.8% · 22.9% uninsured
Problem-loan coverage58/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 21.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 22 points (30 → 52), mostly because the problem-loan coverage component improved by 58 points.

TellerScore
274052Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202429
Q3 202428
Q4 202427
Q1 202528
Q2 202530
Q3 202531
Q4 202545
Q1 202652
Q2 202652
Tier 1 leverage ratio
5.00%7.26%9.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20246.61%
Q3 20247.00%
Q4 20246.88%
Q1 20256.78%
Q2 20256.94%
Q3 20257.22%
Q4 20257.57%
Q1 20269.53%
Q2 20269.26%
Noncurrent loans
2.80%3.79%4.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.80%
Q3 20243.49%
Q4 20244.77%
Q1 20253.89%
Q2 20254.16%
Q3 20254.06%
Q4 20253.78%
Q1 20263.70%
Q2 20263.64%
Return on assets
0.48%4.51%8.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.53%
Q4 20240.53%
Q1 20250.67%
Q2 20250.78%
Q3 20250.80%
Q4 20252.30%
Q1 20268.55%
Q2 20266.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$535.1M9.26%3.64%6.21%61.8%
Q1 202652$522.2M9.53%3.70%8.55%60.8%
Q4 202545$491.1M7.57%3.78%2.30%60.2%
Q3 202531$489.5M7.22%4.06%0.80%58.8%
Q2 202530$489.1M6.94%4.16%0.78%56.0%
Q1 202528$505.7M6.78%3.89%0.67%53.2%
Q4 202427$493.6M6.88%4.77%0.53%53.8%
Q3 202428$459.2M7.00%3.49%0.53%56.6%
Q2 202429$461.3M6.61%2.80%0.48%57.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.26%
16th
Total risk-based capital16.13%
74th
Problem loans3.64%
4th
Net charge-offs0.11%
18th
Return on assets6.21%
100th
Net interest margin3.81%
43rd
Efficiency ratio36.7%
98th
Loans to deposits61.8%
81st
Uninsured deposits22.9%
53rd
Loan-loss reserves0.71%
8th
Texas ratio21.1%
5th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of South CarolinaBank Charleston, SC77 out of 100, Strong$571.2M11.8%0.29%vs
First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC84 out of 100, Strong$597.1M29.1%0.73%vs
Palmetto State BankBank Hampton, SC88 out of 100, Very strong$597.5M14.8%0.12%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
The Bank of ClarendonBank Manning, SC84 out of 100, Strong$438.3M11.7%0.01%vs
Bank of the LowcountryBank Walterboro, SC65 out of 100, Moderate$430.2M9.3%0.15%vs

Deposit insurance

Is my money safe at Enterprise Bank of South Carolina?

Yes. Enterprise Bank of South Carolina is an FDIC-insured institution (FDIC certificate #11539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($108.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.26%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.13% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Enterprise Bank of South Carolina lists 12 offices in 11 cities. Most locations:

  • Walterboro, SC (2)
  • Bamberg, SC (1)
  • Barnwell, SC (1)
  • Blackville, SC (1)
  • Cottageville, SC (1)
  • Denmark, SC (1)
  • Edisto Island, SC (1)
  • Ehrhardt, SC (1)
  • Ridgeville, SC (1)
  • Springfield, SC (1)
  • Williston, SC (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Enterprise Bank of South Carolina reported 125 home-loan applications under HMDA (LEI 549300VCTY2YYCLCZI32): 102 originated ($41,520,000 total), 8 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Enterprise Bank of South Carolina
Former names
The Enterprise Bank
Type
State-chartered bank
FDIC certificate #
11539
RSSD ID
457426
Primary regulator
FDIC
Holding company
Varn Financial Corp
Established
January 1, 1920
Headquarters
13497 Broxton Bridge Rd, Ehrhardt, SC 29081
Website
ebsc.bank
Employees
97

Quick answers

Enterprise Bank of South Carolina: common questions

Is Enterprise Bank of South Carolina FDIC insured?

Yes. Enterprise Bank of South Carolina is an FDIC-insured institution (FDIC certificate #11539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Enterprise Bank of South Carolina's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Enterprise Bank of South Carolina ever failed?

There is no failure record for FDIC certificate #11539 in the FDIC failed bank list.

How many branches does Enterprise Bank of South Carolina have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ehrhardt

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Merchants Bank of South CarolinaBank Holly Hill, SC88 out of 100, Very strong$413.6M16.6%0.74%vs
Palmetto State BankBank Hampton, SC88 out of 100, Very strong$597.5M14.8%0.12%vs
Srp Federal Credit UnionCredit union North Augusta, SC81 out of 100, Strong$2.1B13.8%0.74%vs
Home Federal Savings and Loan AssociationBank Bamberg, SC77 out of 100, Strong$40.5M14.4%0.28%vs
Rev Federal Credit UnionCredit union Charleston, SC72 out of 100, Strong$1.2B13.8%0.57%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs